Clark County, MO Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 100 mortgage applications in Clark County, MO totaling $9.8 million, down 15% from 2010. The average application was for $98,000, and applicants reported an average income of $59,000. 37% of applications resulted in an originated loan and 30% were denied. The most active lender was Heartland Bank & Trust Company, with 30 applications, followed by Peoples Bank & Trust Co. and 21st Mortgage.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 100 |
| Total Mortgage Loan Application Amount | $9,846,000 |
| Average Mortgage Loan Application Amount | $98,000 |
| Highest Mortgage Loan Application Amount | $415,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $391,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Heartland Bank & Trust Company 401 N HERSHEY RD BLOOMINGTON, IL 61704 |
* | $ 1,640,463,000 | 30 | $ 2,265,000 |
| Peoples Bank & Trust Co. 430 E. WOOD STREET TROY, MO 63379 |
* | $ 406,317,000 | 7 | $ 932,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 7 | $ 255,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 6 | $ 548,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 5 | $ 654,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 4 | $ 359,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 3 | $ 373,000 |
| First Bankers Trust Company 505 NORTH 24TH STREET QUINCY, IL 62301 |
* | $ 682,852,000 | 3 | $ 453,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 3 | $ 440,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ 37,000,000 | 3 | $ 429,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 2 | $ 252,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 2 | $ 196,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 2 | $ 176,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 2 | $ 339,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 79,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 271,648,000 | 1 | $ 20,000 |
| Missouri Credit Union 111 EAST BROADWAY COLUMBIA, MO 65203 |
* | $ 205,163,000 | 1 | $ 88,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,285,622,000 | 1 | $ 141,000 |
| Mercantile Bank 200 NORTH 33RD ST QUINCY, IL 62305 |
* | $ 679,697,000 | 1 | $ 87,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,001,416,000 | 1 | $ 23,000 |
| Dubuque Bank and Trust Company 1398 CENTRAL AVENUE DUBUQUE, IA 52001 |
* | $ 1,131,561,000 | 1 | $ 60,000 |
| Bank Northwest 201 S DAVIS HAMILTON, MO 64644 |
* | $ 102,789,000 | 1 | $ 219,000 |
| Bank Star One 118 WEST 5TH STREET FULTON, MO 65251 |
* | $ 88,337,000 | 1 | $ 230,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 843,305,000 | 1 | $ 71,000 |
| Jefferson Bank of Missouri 700 SOUTHWEST BLVD JEFFERSON CITY, MO 65102 |
* | $ 473,583,000 | 1 | $ 415,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 1 | $ 1,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 16,490,790,000 | 1 | $ 64,000 |
| Boone County National Bank 8TH & BROADWAY P O BOX 678 COLUMBIA, MO 65205 |
* | $ 1,233,182,000 | 1 | $ 124,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ 1,462,741,000 | 1 | $ 18,000 |
| Midwest Mortgage Capital, LLC 12400 OLIVE BLVD SAINT LOUIS, MO 63141 |
* | $ 2,000,000 | 1 | $ 65,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 72,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 140,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 64,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 128,000 |
The tables below break down 2011 mortgage applications in Clark County, MO by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Clark County, MO in 2011
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 60 | $6,461,000 | $107,000 | $220,000 | $57,000 | $297,000 |
| Home Purchase | 31 | $3,069,000 | $99,000 | $415,000 | $67,000 | $391,000 |
| Home Improvement | 9 | $316,000 | $35,000 | $139,000 | $47,000 | $74,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 88 | $8,860,000 | $100,000 | $415,000 | $63,000 | $391,000 |
| Not Provided | 9 | $689,000 | $76,000 | $140,000 | $40,000 | $78,000 |
| Not applicable | 2 | $279,000 | $139,000 | $219,000 | $0 | $0 |
| Hispanic | 1 | $18,000 | $18,000 | $18,000 | $28,000 | $28,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 80 | $7,539,000 | $94,000 | $415,000 | $65,000 | $391,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,244,000 | $113,000 | $194,000 | $25,000 | $67,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $911,000 | $151,000 | $230,000 | $62,000 | $86,000 |
| VA-guaranteed (Veterans Administration) | 3 | $152,000 | $50,000 | $79,000 | $29,000 | $55,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 37 | $3,742,000 | $101,000 | $415,000 | $74,000 | $391,000 |
| Application Denied By Financial Institution | 30 | $2,366,000 | $78,000 | $205,000 | $48,000 | $210,000 |
| Loan Purchased By The Institution | 15 | $1,856,000 | $123,000 | $230,000 | $46,000 | $87,000 |
| Application Approved But Not Accepted | 8 | $793,000 | $99,000 | $180,000 | $51,000 | $141,000 |
| Application Withdrawn By Applicant | 6 | $630,000 | $105,000 | $194,000 | $77,000 | $267,000 |
| File Closed For Incompleteness | 4 | $459,000 | $114,000 | $134,000 | $51,000 | $67,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 10 | $577,000 | $57,000 | $171,000 | $31,000 | $48,000 |
| Credit History | 9 | $696,000 | $77,000 | $205,000 | $58,000 | $138,000 |
| Collateral | 7 | $715,000 | $102,000 | $140,000 | $71,000 | $210,000 |
| Credit Application Incomplete | 2 | $131,000 | $65,000 | $67,000 | $44,000 | $89,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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